{"schema_version":"secwatch.filing_event.v1","accession":"0001488813-26-000057","form_type":"8-K/A","ticker":"CUBI","cik":"0001488813","company_name":"Customers Bancorp, Inc.","filed_at":"2026-04-16T23:59:59+00:00","discovered_at":"2026-05-14T18:02:32.354642+00:00","generated_at":"2026-05-15T05:46:40.811500+00:00","sec_items":["9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.85,"calibrated_materiality_score":0.85,"confidence":"high","headline":"Sam Sidhu's first letter: record 2025 core EPS $7.61, TBVPS $61.77; 2026 NII guidance $800-$830M","bullets":["Sam Sidhu succeeded Jay Sidhu as CEO on Jan 1, 2026 in a planned multiyear transition.","2025 core EPS $7.61 (+14% CAGR since 2019), revenue $818M, TBVPS $61.77 (15%+ CAGR).","Net interest margin 3.32% in 2025, CET1 ratio 13.0%, commercial NCO ratio 16 bps in Q4.","2026 guidance: 8-12% loan and deposit growth, NII $800-$830M, expense growth 2-6%.","cubiX payments network surpassed $2T in total activity; NPS score of 81 (industry benchmark 41)."],"urls":{"canonical":"https://secwatch.observer/filing/0001488813-26-000057","json":"https://secwatch.observer/filing/0001488813-26-000057.json","markdown":"https://secwatch.observer/filing/0001488813-26-000057.md","text":"https://secwatch.observer/filing/0001488813-26-000057.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1488813/000148881326000057/0001488813-26-000057-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1488813/000148881326000057/cubi-20260415.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-15T05:46:40.811500+00:00"},"review":{"review_status":"machine_generated","human_reviewed":false,"corrected":false,"correction_note":null,"correction_timestamp":null,"superseded_by":null,"related_filings":[]},"source_grounded_claims":[],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}